Simulate card transactions in sandbox environment
Once everything's been set-up, we also provide you with endpoints that allow you to simulate transactions on your card, providing you with data that you can use to better optimize your flows in production.
POST /v1/simulation/balance/topup
Simulates a top-up so that a balance can be used to fund transfers and/or card spend.
The profile ID linked to the balance account
The ID of the balance account that is going to receive the funds
The currency to top up the balance account in. Must be the same currency as the balance account
The amount to top up the balance account with
Type of top-up. Available values: TRANSFER or CARD. Not providing a channel will default to CARD
Returns a simulated response for a successful balance topup.
The ID of the top up transaction
The state of the transaction. COMPLETED is always returned when using this endpoint
The ID of the balance account
The new amount available in the balance account
The currency of the balance account
curl -X POST \
https://api.sandbox.transferwise.tech/v1/simulation/balance/topup \
-H 'Authorization: Bearer <your api token>' \
-H 'Content-Type: application/json' \
-d '{
"profileId": 2,
"balanceId": 5,
"currency": "EUR",
"amount": 100,
"channel": "TRANSFER"
}'{
"transactionId": 5,
"state": "COMPLETED",
"balancesAfter": [
{
"id": 5,
"value": 100.00,
"currency": "EUR"
}
]
}POST /v2/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/authorisation
Simulates a card transaction authorisation request in the sandbox environment. It can simulate ATM withdrawals, purchasing and ECOM transactions. This is an authorisation hold, where funds are held, but not yet captured by the acquirer.
View Request for Transaction Type:
Returns a simulated card authorisation.
The transaction reference. This can be used in a following request for Reversal and Clearing
An error returned by the transaction, if it exists
{
"reference": {
"transaction": {
"acquirer": {
"institutionId": "430010",
"name": "ACQUIRER NAME",
"city": "CITY NAME",
"merchantCategoryCode": 5499,
"country": "GB",
"acceptorTerminalId": "TERMID01",
"acceptorIdCode": "CARD ACCEPTOR",
"forwardingInstitutionId": "400050"
},
"card": {
"token": "59123122-223d-45f9-b840-0ad4a4f80937",
"schemeName": "VISA",
"pan": "4242424242424242",
"pin": "1234",
"cvv1": "123",
"icvv": "456",
"cvv2": "789",
"expiration": [
2029,
7
],
"sequenceNumber": 1,
"profileId": 2,
"userId": 5,
"cardStatus": "ACTIVE",
"country": "SG",
"currencies": [
"SGD"
]
},
"pos": {
"type": "CHIP_AND_PIN",
"acceptsOnlinePins": true,
"maxPinLength": 12,
"supports3ds": false,
"hasChip": true
},
"transactionStartTime": 1667541087.047643305,
"stan": "363054",
"schemeTransactionId": "932290252416153",
"retrievalReferenceNum": "230805363054"
},
"requestMti": "0200",
"authorizationIdResponse": "123646"
},
"error": null
}POST /v1/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/clearing
Simulates a transaction clearing request in the sandbox environment. This is done after the authorisation. The ref field can be copied from the reference object in the authorisation response.
To clear a previous authorisation, the ref details must match the previous authorisation request. The amount does not have to match the previous authorisation request, it can be more or less than the authorisation request amount.
Transaction amount
Currency code
The type of the transaction. Use the same transaction type from the previous Authorisation request
The transaction reference. This can be obtained from a previous Authorisation request
Simulates a transaction clearing request in the sandbox environment. This is done after the authorisation.
The transaction reference
An error returned by the transaction, if it exists
curl -X POST \
'https://api.sandbox.transferwise.tech/v1/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/clearing' \
-H 'Authorization: Bearer <your api token>' \
-H 'Content-Type: application/json' \
-d '{
"amount": {
"value": 10.00
"currency": "SGD"
},
"transactionType": "GOODS_AND_SERVICES",
"ref": {
"transaction": {
"acquirer": {
"institutionId": "430010",
"name": "ACQUIRER NAME",
"city": "CITY NAME",
"merchantCategoryCode": 5499,
"country": "GB",
"acceptorTerminalId": "TERMID01",
"acceptorIdCode": "CARD ACCEPTOR",
"forwardingInstitutionId": "400050"
},
"card": {
"token": "59123122-223d-45f9-b840-0ad4a4f80937",
"schemeName": "VISA",
"pan": "4242424242424242",
"pin": "1234",
"cvv1": "123",
"icvv": "456",
"cvv2": "789",
"expiration": [
2029,
7
],
"sequenceNumber": 1,
"profileId": 2,
"userId": 5,
"cardStatus": "ACTIVE",
"country": "SG",
"currencies": [
"SGD"
]
},
"pos": {
"type": "CHIP_AND_PIN",
"acceptsOnlinePins": true,
"maxPinLength": 12,
"supports3ds": false,
"hasChip": true
},
"transactionStartTime": 1667541087.047643305,
"stan": "363054",
"schemeTransactionId": "932290252416153",
"retrievalReferenceNum": "230805363054"
},
"requestMti": "0200",
"authorizationIdResponse": "123646"
}
}'{
"reference": {
"transaction": {
"acquirer": {
"institutionId": "430010",
"name": "ACQUIRER NAME",
"city": "CITY NAME",
"merchantCategoryCode": 5499,
"country": "GB",
"acceptorTerminalId": "TERMID01",
"acceptorIdCode": "CARD ACCEPTOR",
"forwardingInstitutionId": "400050"
},
"card": {
"token": "59123122-223d-45f9-b840-0ad4a4f80937",
"schemeName": "VISA",
"pan": "4242424242424242",
"pin": "1234",
"cvv1": "123",
"icvv": "456",
"cvv2": "789",
"expiration": [
2029,
7
],
"sequenceNumber": 1,
"profileId": 2,
"userId": 5,
"cardStatus": "ACTIVE",
"country": "SG",
"currencies": [
"SGD"
]
},
"pos": {
"type": "CHIP_AND_PIN",
"acceptsOnlinePins": true,
"maxPinLength": 12,
"supports3ds": false,
"hasChip": true
},
"transactionStartTime": 1667541087.047643305,
"stan": "363054",
"schemeTransactionId": "932290252416153",
"retrievalReferenceNum": "230805363054"
},
"requestMti": "0200",
"authorizationIdResponse": "123646"
}
"error": null
}POST /v1/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/reversal
Simulates a transaction reversal request in the sandbox environment. The amount.value field can be set to 0 for a full reversal, or a positive value that represents the intended final value of the transaction after a partial reversal.
For example, if a transaction value was originally 10 SGD, and the intended final value is 3 SGD, amount.value should be set to 3. This means there is a partial refund of 7 SGD.
Transaction amount
Currency code
The type of the transaction. Use the same transaction type from the previous Authorisation request
The transaction reference. This can be obtained from a previous Authorisation request
Returns a simluated card reversal, while the funds are not yet cleared.
The transaction reference
An error returned by the transaction, if it exists
curl -X POST \
'https://api.sandbox.transferwise.tech/v1/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/reversal' \
-H 'Authorization: Bearer <your api token>' \
-H 'Content-Type: application/json' \
-d '{
"amount": {
"value": 3.00
"currency": "SGD"
},
"transactionType": "GOODS_AND_SERVICES",
"ref": {
"transaction": {
"acquirer": {
"institutionId": "430010",
"name": "ACQUIRER NAME",
"city": "CITY NAME",
"merchantCategoryCode": 5499,
"country": "GB",
"acceptorTerminalId": "TERMID01",
"acceptorIdCode": "CARD ACCEPTOR",
"forwardingInstitutionId": "400050"
},
"card": {
"token": "59123122-223d-45f9-b840-0ad4a4f80937",
"schemeName": "VISA",
"pan": "4242424242424242",
"pin": "1234",
"cvv1": "123",
"icvv": "456",
"cvv2": "789",
"expiration": [
2029,
7
],
"sequenceNumber": 1,
"profileId": 2,
"userId": 5,
"cardStatus": "ACTIVE",
"country": "SG",
"currencies": [
"SGD"
]
},
"pos": {
"type": "CHIP_AND_PIN",
"acceptsOnlinePins": true,
"maxPinLength": 12,
"supports3ds": false,
"hasChip": true
},
"transactionStartTime": 1667541087.047643305,
"stan": "363054",
"schemeTransactionId": "932290252416153",
"retrievalReferenceNum": "230805363054"
},
"requestMti": "0200",
"authorizationIdResponse": "123646"
}
}'{
"reference": {
"transaction": {
"acquirer": {
"institutionId": "430010",
"name": "ACQUIRER NAME",
"city": "CITY NAME",
"merchantCategoryCode": 5499,
"country": "GB",
"acceptorTerminalId": "TERMID01",
"acceptorIdCode": "CARD ACCEPTOR",
"forwardingInstitutionId": "400050"
},
"card": {
"token": "59123122-223d-45f9-b840-0ad4a4f80937",
"schemeName": "VISA",
"pan": "4242424242424242",
"pin": "1234",
"cvv1": "123",
"icvv": "456",
"cvv2": "789",
"expiration": [
2029,
7
],
"sequenceNumber": 1,
"profileId": 2,
"userId": 5,
"cardStatus": "ACTIVE",
"country": "SG",
"currencies": [
"SGD"
]
},
"pos": {
"type": "CHIP_AND_PIN",
"acceptsOnlinePins": true,
"maxPinLength": 12,
"supports3ds": false,
"hasChip": true
},
"transactionStartTime": 1667541087.047643305,
"stan": "363054",
"schemeTransactionId": "932290252416153",
"retrievalReferenceNum": "230805363054"
},
"requestMti": "0200",
"authorizationIdResponse": "123646"
}
"error": null
}POST /v2/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/authorisation
Refund simulation doesn't work with Mastercard.
Simulates a transaction refund request in the sandbox environment. A refund is a 2-step process which involves authorisation and clearing.
The point-of-sale used for the transaction. For refund transactions, use CHIP_AND_PIN or E_COMMERCE_NO_3DS
The type of the transaction. For refund transactions, use REFUND
Transaction amount
Currency
Merchant category code
Primary Account Number of the card
Returns a simulated card authorisation.
The transaction reference. This can be used in a following request for Reversal and Clearing
An error returned by the transaction, if it exists
curl -X POST \
'https://api.sandbox.transferwise.tech/v2/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/authorisation' \
-H 'Content-Type: application/json' \
-H 'Authorization: Bearer <your api token>' \
-d '{
"pos": "CHIP_AND_PIN",
"transactionType": "REFUND",
"amount": {
"value": 10,
"currency": "SGD"
},
"mcc": 5499,
"cardNumber": "4242424242424242"
}'{
"reference": {
"transaction": {
"acquirer": {
"institutionId": "430010",
"name": "ACQUIRER NAME",
"city": "CITY NAME",
"merchantCategoryCode": 5499,
"country": "GB",
"acceptorTerminalId": "TERMID01",
"acceptorIdCode": "CARD ACCEPTOR",
"forwardingInstitutionId": "400050"
},
"card": {
"token": "59123122-223d-45f9-b840-0ad4a4f80937",
"schemeName": "VISA",
"pan": "4242424242424242",
"pin": "1234",
"cvv1": "123",
"icvv": "456",
"cvv2": "789",
"expiration": [
2029,
7
],
"sequenceNumber": 1,
"profileId": 2,
"userId": 5,
"cardStatus": "ACTIVE",
"country": "SG",
"currencies": [
"SGD"
]
},
"pos": {
"type": "CHIP_AND_PIN",
"acceptsOnlinePins": true,
"maxPinLength": 12,
"supports3ds": false,
"hasChip": true
},
"transactionStartTime": 1667541087.047643305,
"stan": "363054",
"schemeTransactionId": "932290252416153",
"retrievalReferenceNum": "230805363054"
},
"requestMti": "0200",
"authorizationIdResponse": "123646"
},
"error": null
}A refund transaction can be cleared after the initial authorisation request has been made.
POST /v1/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/clearing
Simulates a transaction clearing request in the sandbox environment. The ref field can be copied from the reference object in the authorisation response. In the clearing request, the transactionType must be set to REFUND.
To clear a previous authorisation, the ref details must match the previous authorisation request. It may take a few seconds for the transaction status to be updated.
Transaction amount
Currency code
The type of the transaction. For refund transactions, use REFUND
The transaction reference. This can be obtained from a previous Authorisation request
Returns a simluated card authorisation, after the funds have been cleared.
The transaction reference
An error returned by the transaction, if it exists
curl -X POST \
'https://api.sandbox.transferwise.tech/v1/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions/clearing' \
-H 'Authorization: Bearer <your api token>' \
-H 'Content-Type: application/json' \
-d '{
"amount": {
"value": 10.00
"currency": "SGD"
},
"transactionType": "REFUND",
"ref": {
"transaction": {
"acquirer": {
"institutionId": "430010",
"name": "ACQUIRER NAME",
"city": "CITY NAME",
"merchantCategoryCode": 5499,
"country": "GB",
"acceptorTerminalId": "TERMID01",
"acceptorIdCode": "CARD ACCEPTOR",
"forwardingInstitutionId": "400050"
},
"card": {
"token": "59123122-223d-45f9-b840-0ad4a4f80937",
"schemeName": "VISA",
"pan": "4242424242424242",
"pin": "1234",
"cvv1": "123",
"icvv": "456",
"cvv2": "789",
"expiration": [
2029,
7
],
"sequenceNumber": 1,
"profileId": 2,
"userId": 5,
"cardStatus": "ACTIVE",
"country": "SG",
"currencies": [
"SGD"
]
},
"pos": {
"type": "CHIP_AND_PIN",
"acceptsOnlinePins": true,
"maxPinLength": 12,
"supports3ds": false,
"hasChip": true
},
"transactionStartTime": 1667541087.047643305,
"stan": "363054",
"schemeTransactionId": "932290252416153",
"retrievalReferenceNum": "230805363054"
},
"requestMti": "0200",
"authorizationIdResponse": "123646"
}
}'{
"reference": {
"transaction": {
"acquirer": {
"institutionId": "430010",
"name": "ACQUIRER NAME",
"city": "CITY NAME",
"merchantCategoryCode": 5499,
"country": "GB",
"acceptorTerminalId": "TERMID01",
"acceptorIdCode": "CARD ACCEPTOR",
"forwardingInstitutionId": "400050"
},
"card": {
"token": "59123122-223d-45f9-b840-0ad4a4f80937",
"schemeName": "VISA",
"pan": "4242424242424242",
"pin": "1234",
"cvv1": "123",
"icvv": "456",
"cvv2": "789",
"expiration": [
2029,
7
],
"sequenceNumber": 1,
"profileId": 2,
"userId": 5,
"cardStatus": "ACTIVE",
"country": "SG",
"currencies": [
"SGD"
]
},
"pos": {
"type": "CHIP_AND_PIN",
"acceptsOnlinePins": true,
"maxPinLength": 12,
"supports3ds": false,
"hasChip": true
},
"transactionStartTime": 1667541087.047643305,
"stan": "363054",
"schemeTransactionId": "932290252416153",
"retrievalReferenceNum": "230805363054"
},
"requestMti": "0200",
"authorizationIdResponse": "123646"
}
"error": null
}GET /v2/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transaction?limit=10
The maximum number of transactions to return. The default value is 10.
Returns a list of transactions, in descending order of creation time. To retrieve more details of a transaction, use the get card transaction by ID endpoint.
ID of the transaction
Time when the card transaction was created
curl -X GET \
'https://api.sandbox.transferwise.tech/v2/simulation/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions?limit=10' \
-H 'Authorization: Bearer <your api token>'[
{
"transactionId": 5028,
"creationTime": 1723600773.748887000
},
{
"transactionId": 5027,
"creationTime": 1723600659.095692000
},
{
"transactionId": 5026,
"creationTime": 1723600648.133955000
},
{
"transactionId": 5025,
"creationTime": 1723545470.449374000
},
{
"transactionId": 5024,
"creationTime": 1723545430.790566000
},
{
"transactionId": 5023,
"creationTime": 1723545400.717954000
},
{
"transactionId": 5022,
"creationTime": 1723538943.303342000
},
{
"transactionId": 5021,
"creationTime": 1723538794.965883000
},
{
"transactionId": 5020,
"creationTime": 1723538784.678004000
},
{
"transactionId": 5019,
"creationTime": 1723538626.199095000
}
]